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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $118,210 | $129,737-8.9% | $119,126-0.8% | $154,746-23.6% |
| Participation rate | 68.8% | 78.9%-10.1pp | 75.8%-7.0pp | 80.7%-12.0pp |
| Annual return | 11.62% | 379.08%-367.5pp | 282.11%-270.5pp | 172.34%-160.7pp |
| Employer contribution / active EE | $1,637 | $4,375-62.6% | $4,034-59.4% | $4,379-62.6% |
| Participant deferral / active EE | $3,106 | $5,842-46.8% | $5,318-41.6% | $6,730-53.9% |
| Admin fee / account holder | $8,610 | $11,961-28.0% | $10,693-19.5% | $14,365-40.1% |